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DOCTOR LOAN

PHYSICIAN LOAN PROGRAM HIGHLIGHTS

Newly licensed Medical Residents may be eligible

Existing Physicians/Doctors, Dentists, Oral Surgeons practicing less than 1 year may be eligible

Future/projected Income may be considered under certain circumstances (purchase only)

Primary residences only

PHYSICIAN | DOCTOR LOAN PROGRAM

This program is designed for Physicians/Doctors, Dentists, Optometrists or Oral Surgeons who will soon be finishing their training or have practiced for less than one year.

Under the Physician Loan Program, student loans that will be deferred for a minimum of 12 months after the closing date may be excluded from a borrower’s monthly DTI (Debt To Income).  Future earning potential may also be factored into the application, allowing the borrower to qualify for higher loan amounts – and in some cases, in higher cost areas.

QUALIFYING MEDICAL DESIGNATIONS

  • Medical Resident (Educational License)
  • Doctor of Medicine (MD)
  • Doctor of Dental Surgery (DDS)
  • Doctor of Osteopathy (DO)
  • Doctor of Optometry (OD)
  • Doctor of Dental Medicine or Surgeon (DMD)
  • Doctor of Pediatric medicine (DPM)
You've worked hard to achieve success, and deserve a program to fit your needs. Talk to your ESCO Mortgage Advisors, mortgage advisor, to learn more about this program.